Jersey mortgage rates
Published by Skipton International Limited in its Jersey Residential Mortgage Rates sheet, correct as of 1 April 2026 and read by this site on 22 August 2026. Rates from 4.89%. This site is not a bank, broker or lender, is paid nothing by anyone on this page, and cannot arrange a mortgage — the figures are reproduced from Skipton's own published rate sheet so you can see them beside a property, and the links go to the firm that sets them.
Residential
| Pay rate | Product | Max loan to value | APR | Application fee |
|---|---|---|---|---|
| 5.19% | 5-year fixed rate | 75% | 6.3% | Fee-free* |
| 5.24% | 5-year fixed rate | 90% | 6.3% | Fee-free* |
| 5.39% | 3-year fixed rate | 75% | 6.5% | Fee-free* |
| 5.49% | 3-year fixed rate | 90% | 6.6% | Fee-free* |
| 4.89% (Base + 1.14%) | 3-year Base Rate tracker | 75% | 6.4% | £1,499 |
| 5.09% (Base + 1.34%) | 3-year Base Rate tracker | 90% | 6.5% | £1,499 |
| 5.39% | 100% mortgage (max £600,000) | 100% | 6.3% | Fee-free* |
*Fee-free products include the cost of a standard valuation; early repayment charges apply on a sliding scale during the fixed period (fully detailed in Skipton's own rate sheet, linked below). The 3-year Base Rate tracker has no early repayment charge but a £1,499 application fee.
Skipton also quotes Jersey buy-to-let rates from 5.69% (APR 7.1%) on its own site, but doesn't publish the fee/loan-to-value breakdown for those in the same rate sheet as the residential products above, so it isn't reproduced here as a full table — see Skipton's own site for the current buy-to-let figures.
The 3-year Base Rate tracker tracks the Bank of England Base Rate for its 3-year term (with a product floor below which the rate can't fall) — the same reference rate a UK mainland tracker uses, not a separate Channel Islands one. After a fixed or tracker period ends, the rate reverts to Skipton's Channel Island Residential Follow-on Rate, currently 6.49%.
See these rates at Skipton International Download the full rate sheet (PDF)
Other Jersey banks & brokers
Skipton is the only firm among Jersey's banks and mortgage brokers that publishes a dated, numeric Jersey rate sheet on its own website (checked 22-Aug-2026) — the others quote rates only after a personal application, which is normal for a whole-of-market broker rather than a sign of anything being hidden. For a comparison across other lenders, Jersey has nine banks writing mortgages directly and five mortgage brokers & independent financial advisers covering the whole regulated market between them, including SPF Private Clients (Channel Islands), which opened a Jersey office in early 2026 after two decades operating in Guernsey, and The Mortgage Shop, Jersey's longest-established broker (founded 1990, whole-of-market access to circa 200 products).
Every Jersey mortgage broker & IFA Every Jersey bank & lender
One lender's published indicative rates, not a whole-of-market comparison and not an offer. Lenders apply their own income multiples, stress tests and status checks, so what you are actually offered may differ. Application fees and early repayment charges are shown because they change the real cost of a cheap-looking rate.
Skipton International Limited — registered in Guernsey and licensed under the Lending, Credit and Finance (Bailiwick of Guernsey) Law 2022, with a dedicated Jersey Mortgage Centre on the Esplanade, St Helier (+44 1534 509501).
This site holds no licence to arrange or advise on home finance and does not attempt to. It publishes no phone number or email address for anyone, including lenders and brokers, beyond what they publish themselves: the links above go to their own pages, where their contact details are theirs to publish.